Georgia bankruptcy
Georgia Bankruptcy Court
Georgia Bankruptcy law

Georgia Bankruptcy - Questions for Attorney Jonathan Ginsberg

GEORGIA BANKRUPTCY attorney Jonathan Ginsberg practices Georgia bankruptcy law and represents consumer debtors in Georgia bankruptcy courts throughout the Northern District of Georgia, including Atlanta, Newnan, Rome and Gainesville. With over seventeen years’ experience as a Georgia bankruptcy practitioner, Ginsberg is extremely familiar with the local Georgia Bankruptcy Court rules, customs, and court personnel. Ginsberg’s Georgia bankruptcy law practice is limited to Georgia Chapter 7 bankruptcy filings and Georgia Chapter 13 bankruptcy reorganizations only.

Ginsberg finds that many individuals considering a Georgia bankruptcy case prefer to use e-mail to pose questions about Georgia Bankruptcy Court procedures and about Georgia bankruptcy law in general. For those not quite ready to schedule an office appointment to discuss Georgia bankruptcy law, or for those not even comfortable with a phone consultation, Ginsberg is always willing to answer questions by e-mail or even by Instant Message. Please send Georgia bankruptcy law questions to Ginsberg via email here. Ginsberg’s AOL Instant Message handle is JonathanG678 and he is usually available to chat about Georgia bankruptcy and Georgia bankruptcy court happenings after 3 PM most weekdays.

Anyone considering filing for bankruptcy in Georgia should understand that for individuals/consumers, there are two types of bankruptcy applicable - Georgia Chapter 7 bankruptcy and Georgia Chapter 13 bankruptcy.

Chapter 7 bankruptcy in Georgia is also known as Chapter 7 “liquidation.” In a Chapter 7, you simple walk away from your unsecured debts. Unsecured debts include things like credit card bills, medical bills, repossession deficiencies, etc. If you have secured debts such as a house or a car, you can, in many cases “reaffirm” those debts and take them out of your bankruptcy. The typical Georgia Chapter 7 bankruptcy involves a single individual or married couple with $10,000 or more of credit card debts or medical bills. Often, Georgia Chapter 7 debtors have tried to stay afloat for months or years and finally run out of credit or time. Most, but not all, Georgia of our Chapter 7 clients do not own a house and most own cars that are not worth very much.

Our typical Chapter 13 client is a married couple who are behind two to three months on their mortgage and one to two months on their vehicle loan. They choose to file Chapter 13 because it will allow them to pay their missed mortgage payments over the next three to five years and they can essentially “refinance” their car, furniture and jewerly bills by paying these debts back in smaller amounts over a three to five year period of time.

Finally, Jonathan Ginsberg wants all visitors to the Ginsberg Law Offices web site to understand that he recognizes that bankruptcy of any type is a last resort and that it is not a good thing to do. If you can find another way to pay your debt off (such as through a service like Consumer Credit Counseling), you should do so. Bankruptcy - either a Chapter 7 liquidation of debts or a Chapter 13 repayment plan - is not a good thing to do and it will stay on your credit reports for years. The main reason to consider this option is peace of mind - if you are simply at the end of your rope, you can't stand the pressure of collection phone calls and letters, or if you are about to lose your wages to garnishment.

Be sure to check out the detailed description of consumer bankruptcy by clicking below.

Georgia Bankruptcy Law main page